ADVICE FROM THE PROS

Q: What is the best way to reduce taxes through charitable giving?

A: The IRS only allows charitable deductions on tax returns if you itemize your taxes. Because the Standard Deduction is high, we find that many clients do not itemize. One very effective way to give and reduce your taxation is through a Qualified Charitable Distribution (QCD) from your IRA account. If you are 73 years old and must take a Required Minimum Distribution this will reduce your taxable income. QCDs are an effective way to give charitably and receive a tax benefit! If you need help maximizing tax reduction strategies, I encourage you to reach out to your advisor. Skyline Advisors can help guide clients through QCDs and other charitable giving opportunities that can lower taxes.

405 32nd Street, Suite 201, Bellingham (360) 671-1621 www.myskylineadvisor.com

Q: Does my sitting posture really matter?

Jordan Crim, DPT Physical Therapist

A: Sitting posture has been shown to be directly related to back and neck pain. It is more likely you will experience back pain with sitting in a slouched position. To improve sitting posture fully scoot to the back of the seat, making sure your feet are touching flat to the ground. If this is not possible in your chair, you may need a stool for your feet or pillows to fill in the space between your buttock and the back of the chair. Some may also benefit from supporting the natural curve of the low back with a throw pillow or lumbar roll. These tips are generalized, and often the optimal sitting posture is patient specific. For an individualized assessment, as well as other techniques to help your neck and back pain, visit Capstone Physical Therapy, located in Birch Bay Square and in Blaine on H street.

8125 Birch Bay Square Street • Suite 248, Blaine WA 98230 360-366-5511 www.capstonept.com

The Mullenix Team Brokers

978 Peace Portal Drive Blaine, WA 98230 (360) 318-4999 info@peacearchrealestate.com

Q: Is Spring a Good Time to Sell My Home?

A: Spring is a great time to sell a property for several reasons. One, the real estate market typically sees an uptick in activity during spring, as more people start actively looking for new homes. As the weather begins to warm up and the days become longer, viewing homes becomes more appealing to buyers. Additionally, with the school year winding down, families are often looking to move before the next academic year starts. Finally, the natural beauty of Whatcom County is particularly striking in the spring, and sellers can showcase their homes’ outdoor features, helping them stand out and attract buyers. Overall, spring presents a fantastic opportunity to sell your home. If you want more information about selling your home, please call us at 360-922-0102, email info@peacearchrealestate.com, or visit our website at www.peacearchrealestate.com www.peacearchrealestate.com

Q: A:

Chad Nickisch

Mortgage Loan Officer

NMLS# 569502

Office: (360) 650-5361

Cell: (360) 510-3739

Can I get a loan for home renovations or remodels?

Yes, Peoples Bank offers a variety of options. From a cash-out refinance to a renovation loan or a home equity line of credit we have a solution for you. Improvements include but are not limited to major remodels, a new roof, new kitchen or smaller projects like new carpet, paint, or appliances. Need future value of improvements? No problem. From licensed contractor work to DIY our home loan specialists are here to help every step of the way. Call today to find out what is right for you.

Bellingham Real Estate Loan Center • 3100 Woburn St. • Bellingham WA, 98226

This monthly feature provides you an opportunity to speak to the Blaine, Birch Bay and Semiahmoo community and answer some of their specific questions or some general questions from your business that almost every new client wants to know. Your ad will be 5” wide x 4” tall, in full color with your photo and contact information plus your question and answer.

EXCLUSIVITY - Each business category is limited to one advertiser. Here’s your opportunity